Teachers Federal Credit Union in Texas vs the state
4.0%Denial rate-15.43 pts vs state
7.1%Decision denial rate-17.76 pts vs state
52.0%Origination rate-2.88 pts vs state
5.75%Median rate-0.75 pts vs state
0.17Rate spread (pts)-0.02 pts vs state
$217kMedian applicant income
13Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 15 | 5.9% | 6.38% | #791 |
| 2024 | 31 | 17 | 6.5% | 7.50% | #780 |
| 2025 | 25 | 13 | 4.0% | 5.75% | #830 |
What Teachers Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Teachers Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 3 | 2 | 0 | 0.0% |
| Somervell County | 2 | 0 | 0 | 0.0% |
| Dallas County | 2 | 2 | 0 | 0.0% |
| Grayson County | 2 | 0 | 1 | 50.0% |
| Harris County | 2 | 1 | 0 | 0.0% |
| Parker County | 1 | 0 | 0 | 0.0% |
| Gillespie County | 1 | 0 | 0 | 0.0% |
| Bell County | 1 | 1 | 0 | 0.0% |
| Bexar County | 1 | 1 | 0 | 0.0% |
| El Paso County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 25 applications in 2025, of which 13 were originated and 1 denied.
4.0% of all applications, or 7.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Teachers Federal Credit Union originated in Texas in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Teachers Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology